topic Re: Soft-pull PREAPPROVALs - Updated 4/20/21 in General Credit Topics

Soft-pull PREAPPROVALs - Updated 4/20/21

waqaszm1 — Sat, 24 Apr 2021 08:59:41 GMT

Please add more if i missed any. This is an attempt to help folks rebuild their credit so that you are NOT denied for "Too Many Inquiries".

Per response by MOD Remedios below, I have added links.

CREDIT CARDS

*** FNBO Credit Card - (Experian Fico 9) - Shows prequalified amount and APR - https://www.fnbo.com/personal-banking/credit-cards/

*** Sweetwater.com - Synchrony Bank (Transunion) - https://www.sweetwater.com/financing/

1. Alphaeon Credit by Comenity Bank (Equifax/Experian) - https://d.comenity.net/alphaeonvision/pub/prequalify/Prequalify.xhtml?cmp=436_web_prequal_alphaeon_simply_qualify_20201021_002

2. American Eagle Financial Credit Union - https://www.americaneagle.org/Borrow/Credit-Cards/Visa-Credit-Cards

3. GESA Credit Union - https://apply.gesa.com/?_ga=2.145415731.623318167.1618308532-1384501151.1618308532

4. Gardner-White Furniture - Fortiva Retail Credit - https://www.fortivaloans.com/cf/gardnerwhite/WEB#

5. TomoCredit by Community Federal Savings Bank - https://tomocredit.com/

(No hard pull, more like a charge card with weekly payments for 3 months and then bi-weekly/monthly, connects to bank account to set SL, like petal and some others. A good offering for building credit and those new to the USA).

6. Lowe's Advantage Card by Synchrony (Transunion or Equifax) - https://www.lowes.com/l/Credit.html

(shows pre-qualified amount and APR)

7. Lexus Pursuits Credit Card by Comenity Bank (Experian or Equifax) - https://d.comenity.net/lexuspursuitscreditcard/pub/Apply/Dealer.xhtml

8. BB&T (Equifax) - https://www.bbt.com/offers/checkOffers

9. HSBC (Equifax) - https://apply.us.hsbc.com/apps/servlet/SmartForm.html?formCode=ccoprequal&promoid=RVQ&marketingcode=PPG0043139|at_OPT-OPT-5797-B&irgwc=1&irid=xM7VVpzbKxyOWPQwUx0Mo38XUknW8hzB1V9Uyo0&cid=PPG0043139|at_OPT-OPT-5797-B&pStack=PPG0043139_PPG0043135_AFF0000221_ZZZZZZZZZ - (Not Available)

10. Ikea Projekt Card by Comenity Bank (Experian and/or Equifax) - https://d.comenity.net/ikeaprojekt/pub/prequalify/Prequalify.xhtml?cmp=476_web_prequal_ikea

11. BBVA (Experian Fico 9) - https://online.bbvausa.com/apply/credit-card-prequal

12. Regions Bank (TransUnion) - https://apply.regions.com/creditcards/gettingstarted

(Update: only allowing existing Regions' customers to check for offers)

13. Wayfair Card by Citibank (Experian and/or Equifax) - https://www.wayfair.com/wayfaircard

14. Dell Financial by Web Bank (Experian) - https://www.dell.com/Financing/Comm/PreQual?s=dhs&l=en&cs=19&c=us&dfsref=dfs&returnurl=https%3a%2f%2fwww.dell.com%2fen-us%2fshop&~ck=mn&cookieUpdated=true

15. Discover card (Experian and/or Equifax) - https://www.discovercard.com/application/website/prequal?ICMPGN=PUB_HDR_CARDS_PQ

16. ~~Citicards (Experian and Equifax) - https://www.citicards.com/cards/credit/application/flow.action?isInvitation=N~~

(Not Available)

17. American Express (Experian Fico 8) - https://www.americanexpress.com/us/credit-cards/check-for-offers/?inav=menu_cards_prequal_offer

18. Apple by Goldman Sachs (Transunion) - thru Apple Wallet on your device

19. Toyota Card by Comenity Bank (Experian and/or Equifax) - https://d.comenity.net/toyotacreditcard/pub/prequalify/Prequalify.xhtml

20. Capital One (Experian, Equifax, and Transunion) - https://www.capitalone.com/credit-cards/prequalify/

21. Credit One Bank (Experian) - https://www.creditonebank.com/pre-qualification/data-entry/index?C1BSourceID=C1OX_SI_99&C1BDescriptorID=ASA0100L00&C1BSpecificationID=HDRtxtlnk

22. Merrick Bank (Experian) - https://onlineoffer.merrickbank.com/?code=home&_ga=2.198628326.899425127.1583267511-259444163.1583267511

23. HomeDepot by Citi (Experian and/or Equifax) - https://citiretailservices.citibankonline.com/CRS/acq/launch/index.action?app=PQ01&siteId=PLCN_HOMEDEPOT&sc=30052&cmp=A~Z~C~P~1~5~ZZZZ~PQ~HD~ZZ

24. JP Morgan Chase (Experian & Equifax): https://www.chase.com/prequalified

25. American Express Business Card Prequalifier (Experian) - https://www.americanexpress.com/us/credit-cards/business/prequalify-for-business-credit-card

26. Kohls Credit Card issued by Capital One (Transunion) - https://www.kohls.com/feature/pre-qual/prequal_inquiry.jsp?icid=prequalfooter

27. Jared Jewelers (Hard Pull Possible) Comenity Bank (Experian and/or Equifax) - https://www.jared.com/credit-landing

(Some members have reported getting a hard pull from Jared and Kay Jewelers when pre-qualifying)

28. Kay Jewelers (Hard Pull Possible) Comenity Bank (Experian and/or Equifax) - https://www.kay.com/credit-landing

(Some members have reported getting a hard pull from Jared and Kay Jewelers when pre-qualifying)

29. Upgrade Visa Card (TransUnion) - Will likely ask for Proof of Income - https://www.upgrade.com/upgrade-card/

30. Petal Visa Card (Experian) - Can ask for bank statements - https://www.petalcard.com/

31. Deserve Mastercard (Experian) - https://www.deserve.com/

(Prequalifying only available for Student Card)

32. Avant Visa Card (Transunion or Experian) - https://www.avant.com/

33. USAlliance Financial Federal Credit Union (Experian) - https://www.usalliance.org/pre-qualification

34. Tempur Pedic by WELLS FARGO (Transunion) - https://www.tempurpedic.com/finance-your-purchase/

35. ~~State Farm Credit Card (Transunion) - https://www.statefarm.com/finances/banking/credit-cards~~

(Not Available)

36. Bank Mobile Master Card (Transunion) - https://cards.bankmobile.upstart.com/prequal

37. Yamaha Card by Web bank (Transunion) - https://prequalify.yamahacard.com/financing-application.html

38. ~~Denver Community Credit Union (Experian) ONLY FOR COLORADO residents - https://denvercommunity.coop/experian~~

(Not Available)

39. Bob's Discount Furniture by WELLS FARGO - (Transunion) - https://www.mybobs.com/financing-options

40. Cocoon Sealy Mattress by WELLS FARGO (Transunion) - https://www.cocoonbysealy.com/financing/#terms_and_conditions

41. Bob Mills Furniture Lite Card - Fortiva - www.fortivaloans.com/cf/bobmills/WEB#.

42. Pep Boys / Synchrony Car Care - Synchrony Bank (Transunion) - https://www.pepboys.com/pep-boys-credit-card

43. OLD NAVY - Synchrony Bank (Transunion) - https://apply.syf.com/eapply/eapply.action?clientCode=OLDNAVY&preQual=Y&sitecode=onacfl7d0

44. American Eagle / Aerie - Synchrony Bank (Transunion) - https://apply.syf.com/eapply/eapply.action?clientCode=AE&preQual=Y&sitecode=caehpb8b2

45. Walmart Credit Card (Store and Mastercard) - Capital One - (All 3 Bureaus) - https://applynow.capitalone.com/preapproval/?brandCode=WALMARTCB&marketingChannelCode=PREAPPROVALUNS

46. Wells Fargo Pre-selected Offer - (Transunion and/or Experian) - https://web.secure.wellsfargo.com/credit-cards/yourinfo?sub_channel=WEB&vendor_code=IA&lang=en&produ...

IMPORTANT NOTICE:

There are some really crappy cards such as Reflex, Surge, Indigo (Celtic Bank) and others such as Milestone by (The Bank of Missouri), Fortiva etc. I have not added prequalifiers for these because getting these cards with their rip-off fees are really a disservice to our society. You would be better off getting a small secured card to do your rebuild than any of these.

EXCEPTION 1:

Did not include BofA because their option is more a recommendation / marketing ploy than a solid prequalifcation ! for those still wanting to try, here is the link: https://secure.bankofamerica.com/secure-offers/public/customizedOffers/?subchannel=ECHPLN&cm_sp=Cons-CC-_-NotAssigned-_-CCW5K33Y01_L1_creditcard_eCLOL1NavDefault_findCardNavCta

- based on information on this forum, you have a better chance if you get an offer with a specific APR, i.e for example 12.9% rather than a range, i.e (12.9% to 24.9%) -

PERSONAL LOANS

1. https://www.peerform.com/

2. https://consumer.evenfinancial.com/transunion/loans

3. Discover - pulls Experian and/or Transunion - https://www.discover.com/personal-loans/

4. HSBC Personal Loan - pulls Equifax Only - https://personalloanapply.us.hsbc.com/apply/172294#!/personal

5. LendingClub - pulls Transunion - https://www.lendingclub.com/

6. Prosper - pulls Transunion - https://www.prosper.com/

7. Marcus by Goldman Sachs - pulls Transunion - https://www.marcus.com/us/en/personal-loans

8. Upgrade - pulls Transunion and also offers the Upgrade Visa card - https://www.upgrade.com/

9. Bestegg - pulls Experian and/or Transunion - https://www.bestegg.com/apply-now/

10. Sofi - offers personal, student, home loans etc. - pulls Experian and/or Transunion - https://www.sofi.com/

11. Upstart - pulls Experian, Equifax or Transunion - https://www.upstart.com/

12. FreedomPlus - https://www.freedomplus.com/?utm_medium=organic&utm_source=website&utm_campaign=freedomplus.com

13. Rocket Loans - pulls Experian and/or Transunion - https://www.rocketloans.com/

14. Payoff Loans - pulls Transunion - https://www.payoff.com/

15. Better.com - For Mortgage preapproval with a Transunion Soft-pull - https://better.com/

CONSUMER FINANCE ACCOUNTS

1. Affirm - Pulls Experian - https://www.affirm.com/

2. Sezzle - Pulls Experian - https://sezzle.com/

3. Klarna - Pulls Experian or Transunion - https://www.klarna.com/us/

4. Regional Finance - Pulls Equifax - https://www.regionalfinance.com/

5. Conn's Home Plus (Pulls any 1 Bureau at random) - https://www.conns.com/yes-money-credit

Re: List of companies with pre-qualify / pre-approval options ! So you do not waste precious inquiri

Anonymous — Tue, 03 Mar 2020 18:34:32 GMT

This is wonderful. Thank you!

Re: List of companies with pre-qualify / pre-approval options ! So you do not waste precious inquiri

Anonymous — Tue, 03 Mar 2020 19:40:22 GMT

Links would be awesome

Re: List of companies with pre-qualify / pre-approval options ! So you do not waste precious inquiri

waqaszm1 — Tue, 03 Mar 2020 19:54:46 GMT

Waiting on a MOD to chime in on the links question. If it is appropriate, I will update the listing with links.

JP Morgan Chase has a prequal as well to see if you have any offers from them: https://www.chase.com/prequalified

Re: List of companies with pre-qualify / pre-approval options ! So you do not waste precious inquiri

Remedios — Tue, 03 Mar 2020 20:18:11 GMT

Links to the official lender websites are fine.

With that said, prequal/preapprovals are kinda toys. Some are fairly reliable, others aren't even trying.

So, those inquires may go to "waste" anyway.

Re: List of companies with pre-qualify / pre-approval options ! So you do not waste precious inquiri

Remedios — Tue, 03 Mar 2020 20:39:49 GMT

@waqaszm1 Edits can make the filter "think" it's a spam. I've restored your post.

Re: List of companies with pre-qualify / pre-approval options ! So you do not waste precious inquiri

waqaszm1 — Tue, 03 Mar 2020 20:41:15 GMT

Thank you ! I appreciate it -

Re: List of companies with pre-qualify / pre-approval options ! So you do not waste precious inquiri

Remedios — Tue, 03 Mar 2020 20:44:37 GMT

You're welcome.

Re: List of companies with pre-qualify / pre-approval options ! So you do not waste precious inquiri

Girlzilla88 — Tue, 03 Mar 2020 20:52:35 GMT

Oooooo lovely! I know this isn't a CC but LendingClub offers a Preapproval for a Personal Loan and they soft pull TU if you would like to add it?! I believe it is a HP once all is accepted but that way you don't waste a HP on a No

Re: List of companies with pre-qualify / pre-approval options ! So you do not waste precious inquiri

waqaszm1 — Tue, 03 Mar 2020 20:57:33 GMT

Most of the personal loan companies offer pre-approval via Soft-Pull - Didn't add them because otherwise post could be moved to some obscure corner of this platform where it won't help anyone ...

But on your topic, LendingClub, Prosper, Rocket Loans, Bestegg, Freedomplus, Upstart, Upgrade, Sofi, Marcus, Payoff - all offer preapproval through a softpull. It is only a hard pull once you accept an offer than you have been presented with.

Re: List of companies with pre-qualify / pre-approval options ! So you do not waste precious inquiri

Girlzilla88 — Tue, 03 Mar 2020 20:59:25 GMT

LOL I never knew I wish someone told me before I checked with World Finance and I can't remember where else that said 'you have been pre-approved' then come to find out NO lololol......

Re: List of companies with pre-qualify / pre-approval options ! So you do not waste precious inquiri

Girlzilla88 — Tue, 03 Mar 2020 21:03:59 GMT

I think the other was One Main or something...but anywho sorry I'll stop now so this post doesn't get to far off topic

Re: List of companies with pre-qualify / pre-approval options ! So you do not waste precious inquiri

waqaszm1 — Tue, 03 Mar 2020 21:08:40 GMT

There are a solid 13 to 14 different banks on this list -multiple cards offered by Comenity and Citi. Dell Financial is backed by Web Bank.

No reason for anyone to waste hard pull inquiries especially if you are in the rebuilding stage - If a soft pull does not bring up an offer, check another bank out before you waste a hard pull - Most of you will qualify for something !

Re: List of companies with pre-qualify / pre-approval options ! So you do not waste precious inquiri

Remedios — Tue, 03 Mar 2020 21:11:48 GMT

@waqaszm1 wrote:
Most of the personal loan companies offer pre-approval via Soft-Pull - Didn't add them because otherwise post could be moved to some obscure corner of this platform where it won't help anyone ...

But on your topic, LendingClub, Prosper, Rocket Loans, Bestegg, Freedomplus, Upstart, Upgrade, Sofi, Marcus, Payoff - all offer preapproval through a softpull. It is only a hard pull once you accept an offer than you have been presented with.

You guys are free to include links for personal loans prequals, as long as it's directly to lender website, and not aggregator websites.

Re: List of companies with pre-qualify / pre-approval options ! So you do not waste precious inquiri

Girlzilla88 — Wed, 04 Mar 2020 23:34:57 GMT

https://www.lendingclub.com/loans/personal-loans

[Link edited. - KiB]

Re: List of companies with pre-qualify / pre-approval options ! So you do not waste precious inquiri

GApeachy — Wed, 04 Mar 2020 14:22:48 GMT

@waqaszm1 wrote:
Noticed a few folks asking for pre-qualify / pre-approval options. Here are some that I know of - Please add more if i missed any. Hopefully this will save all of us from wasting inquiries.

https://www.kohls.com/feature/pre-qual/prequal_inquiry.jsp?icid=prequalfooter

Re: List of companies with pre-qualify / pre-approval options ! So you do not waste precious inquiri

coreysw12 — Tue, 03 Mar 2020 23:37:37 GMT

Great thread, thanks for this!

These sites are perfect for us gardeners who have an itch we badly need to scratch I submitted a few pre-qual forms today, with mixed results, but the important thing is that the irresistable urge to fill out an application is gone for now.

I agree about BofA - their pre-qual "tool" is an outright scam. I was "offered" a card with that tool a few months ago, so I applied for it. Now check out the sweet BofA card in my signature.

Re: List of companies with pre-qualify / pre-approval options ! So you do not waste precious inquiri

Anonymous — Wed, 04 Mar 2020 14:16:00 GMT

Both Jared and Kay have pre-qualify pages

Jared - https://www.jared.com/credit-landing

Kay - https://www.kay.com/credit-landing

Re: List of companies with pre-qualify / pre-approval options ! So you do not waste precious inquiri

waqaszm1 — Wed, 04 Mar 2020 14:30:18 GMT

American Express Business Card Prequalifier (Pulls Experian) - https://www.americanexpress.com/us/credit-cards/business/prequalify-for-business-credit-card

Kohls Credit Card issued by Capital One (Can pull any bureau) - https://www.kohls.com/feature/pre-qual/prequal_inquiry.jsp?icid=prequalfooter

Thanks to @rgninja for the following prequalifying links.

Jared Jewelers issued by Comenity Bank (Pulls Experian, and/or Equifax) - https://www.jared.com/credit-landing

Kay Jewelers issued by Comenity Bank (Pulls Experian, and/or Equifax) - https://www.kay.com/credit-landing

Re: List of companies with pre-qualify / pre-approval options ! So you do not waste precious inquiri

Anonymous — Wed, 04 Mar 2020 15:19:59 GMT

@waqaszm1 wrote:
Noticed a few folks asking for pre-qualify / pre-approval options. Here are some that I know of ...

Great post. Great info. Thank you! I hope it stays updated & gets stickied.